Table 20. Standard errors for life insurance plans: Fixed multiple of annual earnings benefit formulas,
State and local government workers, National Compensation Survey, March 2010

Characteristics

Multiple of annual earnings amounts1

Mean
multiple of
annual
earnings

Median
multiple of
annual
earnings

Less than
1.0 times
earnings

1.0 times
earnings

Over 1.0
and under
2.0 times
earnings

2.0 times
earnings

Greater
than 2.0
times
earnings

All workers

–

3.3

2.5

4.4

–

[2]

0.1

Worker characteristics

Management, professional, and related

–

3.9

2.9

5.1

–

[2]

0.0

Professional and related

–

4.1

3.1

5.3

0.4

[2]

0.0

Teachers

–

4.7

2.8

5.1

0.7

[2]

0.0

Primary, secondary, and special education
school teachers

–

4.9

3.3

4.4

0.5

[2]

0.1

Service

–

4.2

2.8

4.5

1.8

0.1

–

Protective service

–

5.9

2.9

5.1

3.2

0.1

0.3

Sales and office

–

4.1

3.2

5.4

0.9

[2]

0.4

Office and administrative support

–

4.1

3.3

5.4

1.0

[2]

0.4

Natural resources, construction, and maintenance

–

5.4

3.8

4.6

–

0.1

[2]

Production, transportation, and material moving

–

6.0

5.8

4.9

–

0.1

0.1

Full time

–

3.3

2.5

4.4

–

[2]

0.0

Part time

–

6.8

6.2

5.1

–

0.1

–

Union

–

2.9

2.7

2.9

–

[2]

0.0

Nonunion

–

4.6

3.3

6.0

–

0.1

0.0

Average wage within the following categories:3

Lowest 25 percent

–

5.9

4.4

7.1

0.5

0.1

0.3

Lowest 10 percent

–

8.6

5.9

–

1.0

0.1

0.1

Second 25 percent

–

3.5

3.2

5.0

1.1

[2]

0.1

Third 25 percent

–

4.0

2.7

4.5

–

[2]

–

Highest 25 percent

–

2.9

2.4

3.6

–

[2]

0.0

Highest 10 percent

–

4.7

3.7

6.3

–

[2]

0.0

Establishment characteristics

Service-providing industries

–

3.3

2.5

4.4

–

[2]

0.1

Education and health services

–

4.9

2.8

6.4

0.4

0.1

0.0

Educational services

–

4.7

2.8

6.2

0.3

0.1

0.0

Elementary and secondary schools

–

3.8

2.9

4.2

0.3

[2]

0.0

Junior colleges, colleges, and universities

–

9.1

4.5

–

0.9

0.1

–

Health care and social assistance

–

7.8

4.8

–

1.1

0.1

–

Hospitals

–

10.4

4.9

–

1.6

0.1

–

Public administration

–

4.4

3.3

2.9

–

[2]

0.2

1 to 99 workers

–

7.1

7.5

–

1.6

0.1

0.3

1 to 49 workers

–

8.3

7.6

–

–

0.1

0.3

50 to 99 workers

–

9.1

9.7

–

–

0.1

0.3

100 workers or more

–

3.4

2.4

4.5

–

[2]

0.1

100 to 499 workers

–

4.5

4.5

4.9

1.6

[2]

0.1

500 workers or more

–

4.2

2.7

5.4

–

[2]

0.2

State government

–

6.8

5.1

–

0.5

0.1

0.0

Local government

–

2.7

2.1

2.7

–

[2]

0.3

Geographic areas

Middle Atlantic

–

5.3

4.9

2.6

3.9

0.1

0.0

East North Central

–

5.7

2.4

4.9

0.5

0.1

0.0

West North Central

–

9.7

–

–

–

0.1

0.2

South Atlantic

–

4.7

4.3

4.7

1.3

[2]

0.2

West South Central

–

6.5

7.8

5.2

–

[2]

0.0

Mountain

–

7.3

–

–

–

[2]

0.0

Pacific

–

4.5

4.2

–

0.7

0.1

0.0

Footnotes:

1Includes participants in plans in which insurance equaled a multiple of earnings plus or minus a specified amount.

2Less than 0.05.

3The categories are based on the average wage for each occupation surveyed, which may include workers with earnings both above and below the threshold.
The average wages are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2009." See Technical
Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20092010.htm.